| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $2K | $28K | 16.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $632 | $14K | 15.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $884 | $2K | 2.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,160 | $177K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 561 | $68K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 909 | $87K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,160 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,160 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.